Column

Housing market

Table specification

Month Date Amortization Interest (%) Loan to pay Loan paid Loan paid (%) Interest Amortization (%) Pay per month
43 Apr 2022 2’583 1.38 1’441’514 108’486 7.0 1’657.74 2.15024 4’240.74
42 Mar 2022 2’583 1.38 1’444’097 105’903 6.8 1’660.71 2.14639 4’243.71
41 Feb 2022 2’583 1.38 1’446’680 103’320 6.7 1’663.68 2.14256 4’246.68
40 Jan 2022 2’583 1.38 1’449’263 100’737 6.5 1’666.65 2.13874 4’249.65
39 Dec 2021 2’583 1.38 1’451’846 98’154 6.3 1’669.62 2.13494 4’252.62
38 Nov 2021 2’583 1.38 1’454’429 95’571 6.2 1’672.59 2.13115 4’255.59
37 Okt 2021 2’583 1.38 1’457’012 92’988 6.0 1’675.56 2.12737 4’258.56
36 Sep 2021 2’583 1.38 1’459’595 90’405 5.8 1’678.53 2.12360 4’261.53
35 Aug 2021 2’583 1.38 1’462’178 87’822 5.7 1’681.50 2.11985 4’264.50
34 Jul 2021 2’583 1.38 1’464’761 85’239 5.5 1’684.48 2.11611 4’267.48
33 Jun 2021 2’583 1.38 1’467’344 82’656 5.3 1’687.45 2.11239 4’270.45
32 Maj 2021 2’583 1.38 1’469’927 80’073 5.2 1’690.42 2.10868 4’273.42
31 Apr 2021 2’583 1.38 1’472’510 77’490 5.0 1’693.39 2.10498 4’276.39
30 Mar 2021 2’583 1.38 1’475’093 74’907 4.8 1’696.36 2.10129 4’279.36
29 Feb 2021 2’583 1.38 1’477’676 72’324 4.7 1’699.33 2.09762 4’282.33
28 Jan 2021 2’583 1.38 1’480’259 69’741 4.5 1’702.30 2.09396 4’285.30
27 Dec 2020 2’583 1.38 1’482’842 67’158 4.3 1’705.27 2.09031 4’288.27
26 Nov 2020 2’583 1.38 1’485’425 64’575 4.2 1’708.24 2.08668 4’291.24
25 Okt 2020 2’583 1.38 1’488’008 61’992 4.0 1’711.21 2.08305 4’294.21
24 Sep 2020 2’583 1.38 1’490’591 59’409 3.8 1’714.18 2.07944 4’297.18
23 Aug 2020 2’583 1.38 1’493’174 56’826 3.7 1’717.15 2.07585 4’300.15
22 Jul 2020 2’583 1.38 1’495’757 54’243 3.5 1’720.12 2.07226 4’303.12
21 Jun 2020 2’583 1.38 1’498’340 51’660 3.3 1’723.09 2.06869 4’306.09
20 Maj 2020 2’583 1.38 1’500’923 49’077 3.2 1’726.06 2.06513 4’309.06
19 Apr 2020 2’583 1.38 1’503’506 46’494 3.0 1’729.03 2.06158 4’312.03
18 Mar 2020 2’583 1.38 1’506’089 43’911 2.8 1’732.00 2.05805 4’315.00
17 Feb 2020 2’583 1.38 1’508’672 41’328 2.7 1’734.97 2.05452 4’317.97
16 Jan 2020 2’583 1.38 1’511’255 38’745 2.5 1’737.94 2.05101 4’320.94
15 Dec 2019 2’583 1.38 1’513’838 36’162 2.3 1’740.91 2.04751 4’323.91
14 Nov 2019 2’583 1.38 1’516’421 33’579 2.2 1’743.88 2.04402 4’326.88
13 Okt 2019 2’583 1.38 1’519’004 30’996 2.0 1’746.85 2.04055 4’329.85
12 Sep 2019 2’583 1.38 1’521’587 28’413 1.8 1’749.83 2.03708 4’332.83
11 Aug 2019 2’583 1.38 1’524’170 25’830 1.7 1’752.80 2.03363 4’335.80
10 Jul 2019 2’583 1.38 1’526’753 23’247 1.5 1’755.77 2.03019 4’338.77
9 Jun 2019 2’583 1.38 1’529’336 20’664 1.3 1’758.74 2.02676 4’341.74
8 Maj 2019 2’583 1.38 1’531’919 18’081 1.2 1’761.71 2.02334 4’344.71
7 Apr 2019 2’583 1.38 1’534’502 15’498 1.0 1’764.68 2.01994 4’347.68
6 Mar 2019 2’583 1.38 1’537’085 12’915 0.8 1’767.65 2.01654 4’350.65
5 Feb 2019 2’583 1.38 1’539’668 10’332 0.7 1’770.62 2.01316 4’353.62
4 Jan 2019 2’583 1.38 1’542’251 7’749 0.5 1’773.59 2.00979 4’356.59
3 Dec 2018 2’583 1.38 1’544’834 5’166 0.3 1’776.56 2.00643 4’359.56
2 Nov 2018 2’583 1.38 1’547’417 2’583 0.2 1’779.53 2.00308 4’362.53
1 Okt 2018 2’583 1.38 1’550’000 0 0.0 1’782.50 1.99974 4’365.50

Column

Loan payed

Summary costs and possible gains (assuming 30% tax on the gain)

Month Percentile Estimated value Down payment Loan Loan left Loan paid Gain
43 Ref 2’000’000 450’000 1’550’000 1’441’514 108’486 558’486
43 10% 2’100’000 450’000 1’550’000 1’441’514 108’486 628’486
43 15% 2’101’320 450’000 1’550’000 1’441’514 108’486 629’410
43 20% 2’105’280 450’000 1’550’000 1’441’514 108’486 632’182
43 25% 2’126’304 450’000 1’550’000 1’441’514 108’486 646’899
43 30% 2’150’856 450’000 1’550’000 1’441’514 108’486 664’085
43 35% 2’176’296 450’000 1’550’000 1’441’514 108’486 681’893
43 40% 2’199’984 450’000 1’550’000 1’441’514 108’486 698’475
43 45% 2’199’984 450’000 1’550’000 1’441’514 108’486 698’475
43 50% 2’214’288 450’000 1’550’000 1’441’514 108’486 708’488
43 55% 2’238’948 450’000 1’550’000 1’441’514 108’486 725’750
43 60% 2’270’016 450’000 1’550’000 1’441’514 108’486 747’497
43 65% 2’273’760 450’000 1’550’000 1’441’514 108’486 750’118
43 70% 2’287’512 450’000 1’550’000 1’441’514 108’486 759’744
43 75% 2’300’016 450’000 1’550’000 1’441’514 108’486 768’497
43 80% 2’300’016 450’000 1’550’000 1’441’514 108’486 768’497
43 85% 2’337’492 450’000 1’550’000 1’441’514 108’486 794’730
43 90% 2’355’000 450’000 1’550’000 1’441’514 108’486 806’986

Structure of the amount per month paid